JIGSAW BUILDING SERVICES SOLUTIONS (LDN) LIMITED

Executive Summary

Jigsaw Building Services Solutions (LDN) Limited demonstrates a solid financial foundation typical of a newly formed micro-entity, with positive net assets and healthy liquidity. The company is financially stable but remains in an early stage, requiring careful monitoring and development of internal profit tracking for sustained growth. Proactive management and strategic planning are recommended to strengthen its financial wellness as it scales.

JIGSAW BUILDING SERVICES SOLUTIONS (LDN) LIMITED - Analysis Report

Company Number: 15438645

Analysis Date: 2025-07-20 11:51 UTC

Financial Health Assessment for Jigsaw Building Services Solutions (LDN) Limited

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1. Financial Health Score: B-

Explanation:
Jigsaw Building Services Solutions (LDN) Limited is a newly incorporated micro-entity with a very short financial history (just over one year). The company shows a positive net asset position and healthy working capital, indicating a stable start. However, the limited scale, absence of profit and loss data, and lack of operational history beyond the initial period caution against a higher rating. The score "B-" reflects a generally sound financial foundation but recognizes the inherent risks and uncertainties typical of a fledgling business.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Fixed Assets	1,297	Very low fixed asset base, typical for a micro company, indicating limited investment in long-term assets.
Current Assets	50,862	Healthy current asset base relative to liabilities, providing liquidity.
Current Liabilities	23,643	Manageable short-term debts; no indication of overdue obligations.
Net Current Assets	27,219	Positive working capital; a good sign of liquidity and ability to cover short-term debts.
Total Assets less CL	28,516	Overall asset coverage after short-term liabilities; positive and stable.
Net Assets (Shareholders' Funds)	27,346	Reflects residual interest after all liabilities; positive and consistent with working capital.

Additional Notes:

• The company employs just one person (the director), reflecting a very lean operation.
• Financial statements prepared under micro-entity rules, with no audit conducted; information is unaudited but compliant with statutory requirements.
• No profit and loss data filed (common for micro companies), so profitability and cash flow sustainability cannot be directly assessed.
• The company is wholly owned and controlled by a single director, Mr. John Scott Webster, indicating centralized governance.

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3. Diagnosis

Using the medical analogy, the "vital signs" for Jigsaw Building Services Solutions show a healthy liquidity pulse with positive net current assets and a stable balance sheet. The company exhibits a good "blood pressure" in terms of covering short-term debts comfortably.

However, the "symptoms" of early-stage business are evident: no detailed profitability data (akin to missing diagnostic scans), minimal fixed assets (low investment footprint), and a single-person operation (limited resource pool). This means the company is in a nascent state with potential vulnerability to external shocks or operational delays.

The lack of audit and limited disclosure, while legally permissible, means there is less visibility into the company's "internal health" such as cash flow trends, profit margins, and operational resilience.

Overall, the financial "diagnosis" is that the company is financially stable but remains at an early stage where prudent monitoring and cautious management are essential to ensure long-term viability.

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4. Recommendations

• Maintain Strong Working Capital: Continue monitoring cash flow closely to ensure liquidity remains healthy, especially as the company grows and takes on more liabilities or staff.

• Develop Profit and Loss Reporting: Even though not mandatory, prepare internal profit and loss statements regularly to track operational performance and identify early signs of financial stress.

• Plan for Asset Investments: Consider strategic investment in fixed assets or technology to support growth, which may improve operational capacity and future financial strength.

• Governance and Risk Management: Although ownership is concentrated, implementing basic governance processes and risk management (such as contingency planning) will help mitigate risks associated with founder dependency.

• Prepare for Scaling: As the company grows, timely compliance with filing deadlines and potential audit requirements should be planned to avoid penalties and maintain transparency with stakeholders.

• External Advice: Engage with professional advisors periodically to review financial health and explore tax efficiency, funding options, or business expansion strategies.

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